SMA DSNDS THROUGH CLOUD OPENING LEVELS AT 700 FT ABOVE OCEAN.

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I WAS ENRTE ON A VFR FLT PLAN DOWN V243 FROM VNA THROUGH JAX AT 7500 FT MSL; WITH A PLANNED LNDG AT X47. ABOUT 30 MI N OF CRG; TRACKING THE CRG VOR AT 140 DEGS INBOUND; WITH FLT FOLLOWING ON ZJX; I MONITORED JAX ATIS AT C14 BROKEN; 55 OVCST. TO KEEP SOME VISUAL GND CONTACT; I ELECTED TO DSND BELOW THE 5500 FT CEILING. AS I NEARED JAX; NOW WITH JAX APCH; I WAS UNABLE TO MAINTAIN VFR AT 5500 FT; SO DSNDED TO 4500 FT. THAT ALT ALSO PROVED UNWORKABLE; SO I ASCENDED THROUGH BREAKS BACK UP TO 6500 FT; CONTINUING TOWARD CRG AND TALKING TO JAX APCH. AT ABOUT XA35; SGJ AWOS; SOME 20 MI SO F JAX; WAS RPTING 'NO CLOUDS BELOW 12000 FT.' BY XA45; SGJ WAS RPTING 3500 FT SCATTERED. BELIEVING THAT THE WX S WAS DETERIORATING; I PLANNED TO DSND THROUGH THE NEXT AVAILABLE HOLE. SHORTLY THEREAFTER; I SAW A HOLE ALL THE WAY DOWN. DSNDING RAPIDLY IN A TIGHT TURN; I BROKE OUT AT 700 FT MSL ABOUT A MI OFF SHORE. APCH OFFERED VECTORS TO CRAIG; BUT I REGAINED MY COMPOSURE AND ELECTED TO CONTINUE S DOWN THE BEACH AT 1200 FT MSL TO X47. AN ACFT LNDG AT X47 PROVIDED LCL WX AS CLR AND 7 MI WITH HAZE. THE TRIP TO X47 AND LNDG WERE UNEVENTFUL. REFLECTING ON THE INCIDENT; I USED POOR JUDGEMENT IN 2 PRIMARY AREAS: 1) I COULD HAVE LEARNED FROM FLT WATCH THAT THE ADVERSE CONDITIONS WERE LCL TO JAX. I HAD AMPLE FUEL AND ADEQUATE WX TO OVERFLY JAX AT 7500 FT TO GOOD VFR S OF SGJ. 2) I FAILED TO EXERCISE THE 4 C'S. ALTHOUGH APCH VOLUNTEERED NO WX INFO OR ENCOURAGEMENT TO STAY HIGH AND CONTINUE S; I AM SURE THAT THEIR ASSISTANCE NEED ONLY HAVE BEEN REQUESTED. IN SUMMARY; I HAZARDED MY LIFE AND THE ACFT BY A PRECIPITOUS DECISION TO REGAIN GND CONTACT. IT IS MY BELIEF THAT PART OF THE PROB IS FLYING ALONE; WITHOUT A COMPANION; NO MATTER HOW UNQUALIFIED; WITH WHOM TO DISCUSS PROBS. I ALSO THINK THAT A FEW WORDS OF REASSURANCE FROM ONE OF THE 3 APCH CTLRS I PASSED THROUGH WOULD HAVE PREVENTED THIS.